Just had an accident, need advice

[AtW]

I don't know, I didnt check

When lorry hits you and you only have a small (thankfully!) dent in a car, then most certainly lorry had tiny damage if any.

Your problem is that lorry driver will report accident also and most likely there will be a claim, hopefully small to just pay it off and avoid having claim on books.

[hairymouse]

Fabulous news,the lorry company called and said they accept liability! They want to pay to fix it.

[d000hg]

Fabulous news,the lorry company called and said they accept liability! They want to pay to fix it.

Good result. It sounds like one of those "it happens" situations - we can lambast both of you in hindsight but I imagine most have had similar even if most it was an 'almost' moment.

[GregRickshaw]

Fabulous news,the lorry company called and said they accept liability! They want to pay to fix it.

They want to pay to fix it? Without going through insurance?

If this is the case that's great but as I mentioned earlier be careful if you have involved your insurance company as even when it's not your fault they still want to screw you for years after when they ask: Have you been involved in an insurance claim which wasn't your fault (Paraphrased).

[northernladuk]

Oh dear, now you will have to declare that you've had an accident anyway and you haven't proof it wasn't your fault. Should have asked this before contacting insurance.

Sorry already answered!

This was my thought. Some insurers will load you just for having the phone call. Even if you don't claim, the fact you've been in an accident makes you a higher risk. Absolute rip off but it's real. I'd have tried weighing my options up before calling them. Depends who you are with. Less likely to happen with a proper outfit and paying a decent rate. If you've gone for the very cheapest offering from a compare site then good luck.

And it's pretty rare for no fault claim anymore. Unless you are stationary with the hand break on and someone rams you from behind there there is always some level of fault. If you say 'I guess I could have done xxxxxx' then you are at fault for not doing so.

Car insurance is such a rip off nowadays. Makes my blood boil.

[northernladuk]

They want to pay to fix it? Without going through insurance?

If this is the case that's great but as I mentioned earlier be careful if you have involved your insurance company as even when it's not your fault they still want to screw you for years after when they ask: Have you been involved in an insurance claim which wasn't your fault (Paraphrased).

This.

Is it a council vehicle or a 3rd party contracted to them? Odd they've folded so quickly but probably not worth their while going though insurance for them, particular for so little.

Just be prepared for them not being so smooth once the quotes start coming in though.

[mattster]

So yes, I called the insurance company because I thought I was right and wanted to make a claim.

You probably are right, but with his word against yours I doubt insurance would come down one way or the other.

I learnt my mistake on claiming anything from insurance where you don't really need to - higher premiums for years after (accidental TV damage by a child). Not worth it IMO, now I just have a massive excess to make the insurance as cheap as possible and know that I have insurance for proper disasters.

Unfortunately you'll get higher premiums now, claim or not, and also have to declare the accident on your application for the next few years.

[Roll Out The Farrell]

I've actually used Chips Away for sizable dents in the past paying in the region of £400 or so. Give them a call & I'm sure it'll be grand.

[SueEllen]

They want to pay to fix it? Without going through insurance?

They may self-insure.

As I said before some bus company and rubbish vehicles have cameras all around them as the drivers have quite a few accidents.

[SueEllen]

Just be prepared for them not being so smooth once the quotes start coming in though.

The poster may be pleasantly surprised.

One of my old car's got hit by a lorry when my car was parked. The company owners didn't complain that I only got one quote to fix the damage as I just used the garage I always used.

There as when a car went into the back of me I got loads of tulip about having to use an improved garage.